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Any transaction with Panhandle Title is considered a Pawn Transaction, not a loan. The Consumer pledges the property listed above as collateral for this pawn transaction. The Consumer is not obligated to redeem the collateral. To redeem the collateral, consumer agrees to pay the Total Payments on or before the due date, or the extension date, if one is agreed to. Goods not redeemed on or before the due date or extension date become the property of the Panhandle Title.